Loan Services

Home Trust & Savings Bank offers a wide variety of loans for a wide variety of reasons. 

Personal Credit Line

  • End checking account overdrafts & charges
  • Personal unsecured loan
  • Automatically transfers upon overdraft

Agricultural Loans 

  • Operating loans
  • Equipment loans
  • Livestock loans
  • Real estate loans

Commercial Loans 

  • Operating loans
  • Equipment loans 
  • Real estate loans 


  • Auto loans
  • Boat loans
  • Recreational Vehicle loans

Home Mortgage/Construction Loans

  • Buying a lot
  • Purchasing/refinancing a Home
  • Secondary Market available

Home Equity Loans

  • Home Improvements
  • Debt Consolidation

Please note that Home Trust & Savings Bank generally will NOT lend outside of our trade area, defined as Mitchell County and the surrounding areas. (Bank NMLS#447189)